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- ESAF SMALL FINANCE BANK - FEDERAL BANK
ESAF SMALL FINANCE BANK vs FEDERAL BANK - Comparison Results
Current Valuations
| ESAF SMALL FINANCE BANK | FEDERAL BANK | ESAF SMALL FINANCE BANK/ FEDERAL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 71.3 | 12.4 | 576.0% | View Chart |
| P/BV | x | 0.8 | 1.7 | 47.0% | View Chart |
| Dividend Yield | % | 1.8 | 0.6 | 315.2% |
Financials
 ESAF SMALL FINANCE BANK  FEDERAL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ESAF SMALL FINANCE BANK Mar-24 |
FEDERAL BANK Mar-24 |
ESAF SMALL FINANCE BANK/ FEDERAL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 82 | 167 | 49.4% | |
| Low | Rs | 53 | 121 | 44.0% | |
| Income per share (Unadj.) | Rs | 74.2 | 96.8 | 76.7% | |
| Earnings per share (Unadj.) | Rs | 8.3 | 15.8 | 52.5% | |
| Cash flow per share (Unadj.) | Rs | 28.8 | 42.5 | 67.8% | |
| Dividends per share (Unadj.) | Rs | 0.70 | 1.20 | 58.3% | |
| Avg Dividend yield | % | 1.0 | 0.8 | 123.9% | |
| Book value per share (Unadj.) | Rs | 48.3 | 123.6 | 39.1% | |
| Shares outstanding (eoy) | m | 514.78 | 2,435.35 | 21.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 1.5 | 61.4% | |
| Avg P/E ratio | x | 8.2 | 9.1 | 89.8% | |
| Avg P/CF ratio | x | 3.0 | 6.4 | 46.5% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 1.2 | 120.5% | |
| Dividend payout | % | 8.5 | 7.6 | 111.2% | |
| Avg Mkt Cap | Rs m | 34,856 | 350,143 | 10.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 3,630 | 31,797 | 11.4% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 38,184 | 235,655 | 16.2% | |
| Other income | Rs m | 4,418 | 32,165 | 13.7% | |
| Interest expense | Rs m | 14,487 | 144,947 | 10.0% | |
| Net interest income | Rs m | 23,697 | 90,708 | 26.1% | |
| Operating expense | Rs m | 16,488 | 67,667 | 24.4% | |
| Gross profit | Rs m | 7,209 | 23,041 | 31.3% | |
| Gross profit margin | % | 18.9 | 9.8 | 193.1% | |
| Provisions/contingencies | Rs m | 7,371 | 15,931 | 46.3% | |
| Profit before tax | Rs m | 5,704 | 52,610 | 10.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -1,262 | -0.0% | |
| Prior Period Items | Rs m | 0 | 365 | 0.0% | |
| Tax | Rs m | 1,449 | 13,335 | 10.9% | |
| Profit after tax | Rs m | 4,256 | 38,379 | 11.1% | |
| Net profit margin | % | 11.1 | 16.3 | 68.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 182,931 | 2,181,103 | 8.4% | |
| Deposits | Rs m | 198,678 | 2,524,550 | 7.9% | |
| Credit/Deposit ratio | x | 92.1 | 86.4 | 106.6% | |
| Yield on advances | % | 18.9 | 8.8 | 216.1% | |
| Cost of deposits | % | 6.2 | 5.0 | 124.1% | |
| Net Interest Margin | % | 9.9 | 3.2 | 306.0% | |
| Net fixed assets | Rs m | 2,049 | 9,960 | 20.6% | |
| Share capital | Rs m | 5,148 | 4,871 | 105.7% | |
| Free reserves | Rs m | 19,713 | 296,145 | 6.7% | |
| Net worth | Rs m | 24,861 | 301,016 | 8.3% | |
| Borrowings | Rs m | 32,225 | 251,596 | 12.8% | |
| Investments | Rs m | 55,410 | 610,431 | 9.1% | |
| Total assets | Rs m | 260,869 | 3,178,389 | 8.2% | |
| Debt/equity ratio | x | 9.3 | 9.2 | 100.7% | |
| Return on assets | % | 1.6 | 1.2 | 135.1% | |
| Return on equity | % | 17.1 | 12.7 | 134.3% | |
| Capital adequacy ratio | % | 23.3 | 16.1 | 144.3% | |
| Net NPAs | % | 2.3 | 0.6 | 376.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 10,009 | 64,312 | 15.6% | |
| From Investments | Rs m | -5,825 | -89,084 | 6.5% | |
| From Financial Activity | Rs m | 2,351 | 38,709 | 6.1% | |
| Net Cashflow | Rs m | 6,535 | 13,899 | 47.0% | |
Share Holding
| Indian Promoters | % | 63.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 5.7 | 74.7 | 7.6% | |
| FIIs | % | 0.2 | 27.7 | 0.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 36.6 | 100.0 | 36.6% | |
| Shareholders | 115,818 | 851,199 | 13.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare ESAF SMALL FINANCE BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on ESAF SMALL FINANCE BANK vs Federal Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
ESAF SMALL FINANCE BANK vs Federal Bank Share Price Performance
| Period | ESAF SMALL FINANCE BANK | Federal Bank |
|---|---|---|
| 1-Day | -0.74% | 1.98% |
| 1-Month | -14.23% | 8.97% |
| 1-Year | -43.56% | 43.79% |
| 3-Year CAGR | -17.33% | 32.07% |
| 5-Year CAGR | -10.79% | 19.13% |
* Compound Annual Growth Rate
Here are more details on the ESAF SMALL FINANCE BANK share price and the Federal Bank share price.
Moving on to shareholding structures...
The promoters of ESAF SMALL FINANCE BANK hold a 63.4% stake in the company. In case of Federal Bank the stake stands at 0.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of ESAF SMALL FINANCE BANK and the shareholding pattern of Federal Bank.
Finally, a word on dividends...
In the most recent financial year, ESAF SMALL FINANCE BANK paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 8.5%.
Federal Bank paid Rs 1.2, and its dividend payout ratio stood at 7.6%.
You may visit here to review the dividend history of ESAF SMALL FINANCE BANK, and the dividend history of Federal Bank.
For a sector overview, read our finance sector report.
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